Welcome Home with Credit Union SA

Home is more comfortable with a competitive rate and a bunch of handy home loan features including an offset account.

Featured Home Loan

Variable Home Loan Package Special Offer - Principal & Interest - Owner Occupied☉︎§︎#

Interest rate




Comparison rate




Package fee for first year


Redraw fee


Home is magic.

It's all the little moments that become the big.

From dinner parties to kids parties, first steps to big leaps, kitchen karaoke and backyard BBQs.

Enjoy more of the little things with our award-winning Variable Home Loan Package Special Offer.

Features and benefits

  • No annual package fee for the first year
  • A competitive interest rate
  • More handy home loan features including an offset account, redraw facility and the ability to make extra repayments
  • Benefits for package holders on Term Deposit, Credit Card and Personal Loan products
  • Extra support through your application process from our local Mobile Lending Specialists – who will even come to you

Experts Choice

Mozo Experts Choice Packaged Home Loan Award Winner 20231

Save $395 in your first year

Enjoy no annual package fee for the first year

Local home loan specialists

We'll come to you, wherever it suits. We can schedule a phone, email, video call or even a home visit to support you through your home loan journey.

Quick and easy application

Our paperless application makes it simple for you to apply online, over the phone or in person.

Talk to a local home lending specialist today

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • your income and living expense details
  • information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply now

Don’t have time to visit us? No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

The Credit Union SA Home Loan Package is designed to help you save money. It offers a fantastic collection of bundled benefits across Home Loans, Visa credit cards, Personal Loans, Transaction Accounts, Term Deposits and more.

To check the current Home Loan rates on the different loans available, visit our rates page.

You can apply for a home loan through any of the following methods:

Apply online


Internet Banking may time out after 10 minutes of inactivity. If this happens, you will need to begin your Loan application acceptance again. But please don’t rush through this step. It’s important to read your loan documents carefully before you accept them. If you have any questions about your loan documents you can call us on (08) 8202 7777 or send a Secure Mail in Internet Banking.

When you're buying or building a home or apartment you intend to live in, it's called an owner occupied property. This includes holiday homes that you don’t rent out and purchases of land on which you intend to build on, to live in. When you're applying for a home loan, you'll need to specify whether you're applying for an owner occupied loan or an investment loan. This distinction can change the interest rate options and loan features available to you.

Credit Union SA is South Australia's third largest credit union, with $1.7 billion in assets and over 54,000 members.

As a customer owned banking organisation, we are not driven by the need to return dividends to shareholders in the manner of the major banks. As a result, we're able to channel the profits we generate back to our membership and broader community.

This is achieved in the form of innovative new products and services, low fees, great interest rates, high levels of personal service, and community development initiatives and project funding.

Credit Union SA was formed on 1 October 2009 by a merger between former South Australian credit unions Satisfac and Powerstate, which had their origins in the education and industrial sectors respectively. Both organisations were renowned for their local knowledge

Visit or call us
Visit 400 King William Street, Adelaide or call us (08) 8202 7777 to discuss loans, credit cards, savings accounts or any of our other services. You can speak to a member of our friendly team quickly and easily, six days a week. If you have your Access Code we can help you quickly and efficiently, but if you don’t have one that’s fine – give us a call and we can help with your enquiries.

400 King William Street, Adelaide


General enquiries


Write to us

Customer Relations
Credit Union SA
GPO Box 699
Adelaide SA 5001

Enjoy more of the little things with a competitive rate and a bunch of handy home loan features when you take out Credit Union SA’s Variable Home Loan Package Special Offer.

Apply now


Interest rates are subject to change


The Variable Home Loan Package Special offers require minimum new borrowings of $150,000 or more where the loan to value ratio is 80% or less. Annual package fee of $395 applies.


Available for Family Home Guarantee (FHG) and First Home Guarantee (FHBG) participants who meet the scheme eligibility requirements of Housing Australia Scheme Loans. Interest Only only available for construction, after your construction period your loan will revert to principal and interest.


Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.


Visit www.mozo.com.au for more information on Credit Union SA's awards.